Here's the skinny on that one I believe.. 3.75% MYGA for 5yrs Before the riders..
You want it RMD friendly? Take 0.16% off that original rate.
You want 10% penalty free access? It will cost you 0.08%
You want Interest only withdrawal access? It will cost 0.03% instead
You want the Terminal Illness/Nursing Home Care Rider? It will cost 0.15%

**You might want to give the client the 3.67% rate with 10% penalty free withdrawals so they at least have access to some of the money..